MLAG has renegotiated with United India Insurance Company and MLAG Indemnity will henceforth provide THROUGH THIS (DIFFERENT FROM PREVIOUS) INSURER the following benefits;

70 % discount on rack rates of Public Sector Insurers both in Professional Indemnity Insurance as well as Errors and Omission Policy for Establishments (Discount was 35% & 60% with MLAG Indemnity previously)

Retroactive date coverage continued even if previously insured by different insurer (Copy of previous policy should be attached with proposal form). Exception is if there is any claim or incident likely to result in claim outstanding under which circumstances retrospective cover will not be provided.

Even lapsed policies can be revived on paying a loading charges of 25% only if no notice alleging negligence has been received during the lapsed period.

Coverage for Cosmetic surgery with 75 % Loading on the premium (This had been scrapped by our previous insurers)

Cases related to HIV will be excluded from our policy as per change in agreement done recently bu UIIC

Advocate will be provided for consumer court as well as for cases of alleged criminal negligence. (Criminal cases were not previously covered)

Criminal cases filed against doctors which are for issues listed as exclusions where doctor is later exonerated by court even in these cases legal fee will be paid as per schedule.

Also earlier the insurance company and the doctor would both be represented by same advocate hence there would be a conflict of interest. Now Insurance Company need not be a party in case so only doctor will be represented by the advocate provided by the insurers through MLAG with time to time intimation to Insurance Company.

By agreement Insurance company will have to pay any compensation awarded by court within time frame prescribed by court upon proper intimation without asking the doctor to first pay the compensation.

Advocates fee will be directly paid by insurers even if you do not want the advocate provided by MLAG/UIIC but choose your own advocate from among the panel notified

Advocates fee will be directly paid by insurers even if you do not want the advocate provided by MLAG/UIIC but choose your own advocate outside the panel notified with prior approval.

Travel expenses for going to NCDRC for court proceedings including stay will be provided to advocate and insured . Train fare for shorter journey and economy airfare for longer journey. Stay upto Rs 2000 per day. (This was not provided earlier)

Out of Court settlement upto 5 lacs after due process will be covered. This will have to go through monitoring committee.

Unlimited coverage available ; You can take policies of 10 crore if you want and this amount will be paid for any individual case (AOA;AOY is 1:1)

MLAG Indemnity is no different from other professional Indemnity Insurance policies because ultimately it is issued to individual doctors by United India Insurance Company except that having been negotiated as a group we have got a better deal from the insurers and can deal with insurers better.

Please ensure that you send your adhaar card along with proposal form for issuance of policies.

You get help from MLAG members and trustees in preparation of your replies

Once we are stronger we will hire our own advocates to provide better services to members.

As a Group we can deal with insurance companies better than you can as an individual

You support common cause of doctors by helping strengthen hands of MLAG

Life Membership fee of MLAG is currently 5000 (with Rs 1000 per year annual charges from 2nd year onwards). This membership not only now gives you personal monetary benefits but also helps us pursue the actual goal of engaging with Govt agencies and others on issues which adversely affect medical profession. By becoming a member you contribute towards this common cause besides any discounts we are able to get for you. Intitially we were limiting the MLAG Indemnity to Punjab, Haryana , UT and Himachal Pradesh only but now even doctors from far off places are availing the benefits.